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One application let's you choose from up to 14 lenders.

Choose the best financing option for your elective procedure in minutes.

With one application that takes less than two minutes to complete, we’ll search for fixed-rate medical loan offers from all of the top online lenders… And because we’re paid by the lender, not you, there’s no markup. So you’ll see the same rates and offers as you would if you applied at all 14 lenders individually.

305/mo*

Why Parasail and not a credit card?

Parasail fixed rate loans don’t balloon if you miss a payment like credit cards with variable rates do. Whatever rate you agree to stays the same for the entire loan term – no surprises.

High credit card balances also negatively impact your credit score. With Parasail, you can keep your credit cards available for emergencies.

Why Parasail and not some other online lender?

Parasail is a “one stop shop” that finds the best option for you from multiple lenders. So, you get the best terms at the best rate with a single application that takes less than 2 minutes.

Applying doesn’t affect your credit score, and best of all, Parasail is paid by lenders and practices -not by you. So the rates we show you are the same as if you applied directly with each lender separately… but with a lot less hassle.

How our plans work

Easy Apply

Fast Response

Get a quick response in less than 60 seconds without impacting your credit score.

Accept Offer

We’ll provide you with loan options so you can pick which term and rate works best for you.

Hassle-Free Payments

We’ll connect you with your new lender to start your plan.

"It was fast… I ended up with a really low interest rate – way better than if I’d used my credit card"

John - Patient, Tacoma, WA

Frequently Asked Questions

Why did some lenders deny me, even though I have good credit?

Every lender has different criteria for approving loan applications and they’re looking for different customers so they offer different interest rates to encourage more or less of a certain profile of customer. That’s why Parasail Select approves more people than any single lender or medical credit card because we have partnered with lenders who specialize in loans for different kinds of people. So it’s very common to be denied a loan not because your credit is not good enough, but because you may not be the customer that the lender is looking for.

Does applying affect my credit or FICO score?

No. The Parasail Select applications uses what is called a “soft pull” on your credit, which does not show up on your credit report. When you select the loan you want and are then transferred to the lender’s site to complete the loan setup, the lender may subsequently do a “hard pull” to verify that the information in your application is accurate. If the lender does this, they will disclose it and ask for your approval to do so.

What’s a “fixed rate” loan? And why is it better?

Credit cards use what’s called “variable interest rates” which means that the interest rate you pay changes over time based on several factors. These can be anything from whether you made a late payment, to whether you paid your full balance within a certain period of time, to what Federal Reserve set interest rates at recently. This means that you could pay a lot more later on in your repayment period than you’d planned. A “fixed rate” loan means that the rate will never change. No matter what. Late payments, changing interest rates by the government, etc., won’t affect the amount you have to pay each month.

Can I use a Parasail Select loan at any doctors office or hospital?

Yes. When you initiate a loan through one of the Parasail Select partners, the money you borrow will be transferred directly to your bank account. From there, you can pay your practice, doctor or hospital directly.

Are Parasail Select loans only able to be used for elective procedures?

You can use the funds from a Parasail Select loan for any procedure, but we encourage you to look into our Parasail ProPatient Plan if you have out-of-pocket medical expenses from a non-elective procedure. We are usually able to partner with doctors, practices and hospitals to offer patients a 0% interest payment plan for out-of-pocket costs that your insurer didn’t cover sufficiently. Parasail Select loans are usually used as a better alternative to medical credit cards or single-lender options typically offered by cosmetic practices, dentists and other elective specialties.

I’m in the application process and I’m confused. Help!

Our customer success managers can usually help you complete the application process. Just tap the red circle button on the lower right of any screen to contact us by Live Chat. Or you can email us at: info@parasail.com or call us at 800-604-0370.

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Operator of this website is not a lender, does not broker loans to lenders and does not make personal loans or credit decisions. This website does not constitute an offer or solicitation to lend. This website will submit the information you provide to a lender. Providing your information on this website does not guarantee that you will be approved for a personal loan. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product.